| Particulars | December 2025 quarter (₹ in crore) | September 2025 quarter (₹ in crore) |
| Total Income | ₹18,068.29 | ₹17,186.09 |
| Net Profit (PAT) | ₹4,066 | ₹4,250.77 |
| Interest Income (NII) | ₹11,317 | ₹9,382 (last year) |
| Total Expenses | ₹13,296.66 | ₹11,482.81 |
Operational Performance and Asset Quality Despite the decline in profits, Bajaj Finance’s operational performance has remained stable. The company’s ‘cost to income’ ratio stood at 32.8%, which is less than last year’s 33%. This means that the company is managing its expenses in a better way. Moreover, loan growth also remains strong.
